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	NACIONALNIY RASCHETNIY DEPOZITARIY (RP MMVB)I want to buy a report	add to comparison
Central Bank of Russia registration number: 3294  CB RF representative, complies with 213-FZ (work with state companies)

General information Emissions0

Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Key financial ratios
• Returns and costs

Dynamics of key financial ratios of the bank is presented on this page. Data is available on YTD basis and for each quarter separately. This part of our site is currently under construction. Click column header to view ratio dynamics on flash-chart.

Key financial ratios of the bank since the beginning of each year

	12 mon. 2021	9 mon. 2021	6 mon. 2021	3 mon. 2021	12 mon. 2020	9 mon. 2020	6 mon. 2020	3 mon. 2020	12 mon. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	2,10%	2,06%	1,80%	0,00%	1,18%	1,60%	1,76%	1,41%	1,81%	1,85%	1,82%	1,80%
RoE	35,82%	39,55%	37,60%	0,00%	28,83%	30,32%	33,26%	22,46%	31,52%	32,97%	22,88%	21,92%
Leverage cap. adequacy	17,0 / 5,9%	19,2 / 5,2%	20,9 / 4,8%	23,4 / 4,3%	24,2 / 4,1%	18,9 / 5,3%	18,9 / 5,3%	15,9 / 6,3%	17,4 / 5,7%	17,8 / 5,6%	12,5 / 8,0%	12,1 / 8,3%
NIM	7,91%	7,77%	7,96%	0,00%	6,75%	6,76%	7,60%	8,51%	5,85%	5,77%	5,96%	6,22%
Return on assets	8,78%	8,44%	8,67%	0,00%	7,66%	7,61%	8,38%	9,26%	6,77%	6,51%	7,22%	7,77%
Cost of liabilities	0,11%	0,09%	0,07%	0,00%	0,08%	0,15%	0,14%	0,13%	0,30%	0,22%	0,21%	0,25%
Net spread	8,67%	8,35%	8,60%	0,00%	7,58%	7,46%	8,24%	9,13%	6,47%	6,29%	7,01%	7,52%
Cost / income	36,48%	36,03%	37,32%	0,00%	41,30%	42,66%	44,09%	49,12%	42,76%	44,98%	52,30%	53,90%
Cost of assets	35,52%	33,20%	33,05%	0,00%	28,74%	27,11%	29,54%	30,28%	16,95%	17,15%	25,30%	27,63%
Net assets	281 254 438	292 976 876	311 998 170	351 168 419	336 516 342	247 821 137	234 243 522	198 842 268	204 526 932	188 212 115	145 414 221	140 088 229
Average equity	16 536 938	15 266 840	14 949 242	14 989 734	13 877 910	13 078 654	12 396 923	12 544 427	11 746 518	10 573 989	11 622 907	11 561 763
Average % assets	12 182 112	12 472 410	12 720 780	12 853 082	12 997 625	13 270 053	12 326 314	12 568 281	19 894 324	19 382 909	13 043 941	12 022 312
Average % liabilities	102 357 601	101 098 812	126 654 812	156 792 251	135 800 054	74 138 361	70 409 206	72 934 444	71 621 757	84 092 051	73 428 650	61 620 338
NII	963 832	727 291	506 839	221 548	877 518	673 077	468 739	267 406	1 164 178	839 722	388 940	187 229
NCI	8 602 084	6 163 187	3 993 274	1 985 479	6 675 632	4 672 965	3 001 919	1 463 140	5 509 236	3 993 984	2 633 226	1 259 642
NCI / NII	892,5%	847,4%	787,9%	896,2%	760,7%	694,3%	640,4%	547,2%	473,2%	475,6%	677,0%	672,8%

Key financial ratios of the bank for the quarter specified

	4 Q 2021	3 Q 2021	2 Q 2021	1 Q 2021	4 Q 2020	3 Q 2020	2 Q 2020	1 Q 2020	4 Q 2019	3 Q 2019	2 Q 2019	1 Q 2019
RoA	1,98%	2,34%	2,15%	0,00%	1,22%	1,47%	2,31%	1,41%	2,12%	2,73%	1,91%	1,80%
RoE	33,75%	45,01%	45,07%	0,00%	29,60%	27,90%	43,79%	22,46%	37,06%	48,59%	23,96%	21,92%
Leverage cap. adequacy	17,0 / 5,9%	19,2 / 5,2%	20,9 / 4,8%	23,4 / 4,3%	24,2 / 4,1%	18,9 / 5,3%	18,9 / 5,3%	15,9 / 6,3%	17,4 / 5,7%	17,8 / 5,6%	12,5 / 8,0%	12,1 / 8,3%
NIM	7,76%	7,07%	8,97%	0,00%	6,29%	6,15%	6,53%	8,51%	6,52%	9,30%	6,18%	6,22%
Return on assets	9,19%	7,65%	9,61%	0,00%	7,31%	7,26%	7,33%	9,26%	8,05%	9,83%	7,28%	7,77%
Cost of liabilities	0,17%	0,07%	0,07%	0,00%	0,10%	0,19%	0,15%	0,13%	0,43%	0,30%	0,20%	0,25%
Net spread	9,02%	7,58%	9,54%	0,00%	7,21%	7,07%	7,18%	9,13%	7,62%	9,53%	7,08%	7,52%
Cost / income	37,69%	33,61%	35,60%	0,00%	38,15%	39,96%	39,64%	49,12%	37,52%	35,31%	50,77%	53,90%
Cost of assets	40,10%	32,18%	32,07%	0,00%	31,93%	26,45%	28,20%	30,28%	17,67%	17,41%	25,13%	27,63%
Net assets	281 254 438	292 976 876	311 998 170	351 168 419	336 516 342	247 821 137	234 243 522	198 842 268	204 526 932	188 212 115	145 414 221	140 088 229
Average equity	16 536 938	15 266 840	14 949 242	14 989 734	13 877 910	13 078 654	12 396 923	12 544 427	11 746 518	10 573 989	11 622 907	11 561 763
Average % assets	12 182 112	12 472 410	12 720 780	12 853 082	12 997 625	13 270 053	12 326 314	12 568 281	19 894 324	19 382 909	13 043 941	12 022 312
Average % liabilities	102 357 601	101 098 812	126 654 812	156 792 251	135 800 054	74 138 361	70 409 206	72 934 444	71 621 757	84 092 051	73 428 650	61 620 338
NII	236 541	220 452	285 291	221 548	204 441	204 338	201 333	267 406	324 456	450 782	201 711	187 229
NCI	2 438 897	2 169 913	2 007 795	1 985 479	2 002 667	1 671 046	1 538 779	1 463 140	1 515 252	1 360 758	1 373 584	1 259 642
NCI / NII	1 031,1%	984,3%	703,8%	896,2%	979,6%	817,8%	764,3%	547,2%	467,0%	301,9%	681,0%	672,8%

Ratios calculation methodics:
Average amounts for quarter are computed as arithmetic average of amounts on each report date. Average amount since the beginning of the year - arithmetic average for all quarters since the beginning of the year.

RoA - Return on average Assets - retained earnings for the period divided by average net assets.
RoE - Return on average Equity - retained earnings for the period divided by average equity (without subordinated debt).
Leverage - averate net assets divided by average equity (without subordinated debt).
Capital adequacy = 1 / Leverage.
NIM - net profit margin, net interest income divided by average interest-earning assets.
Return on earning assets - interest income divided by average earning assets.
Cost of liabilities - interest expenses divided by average interest-bearing liabilities.
Net spread = Return on earning assets - Cost of libilities.
Cost / income - operatioal effectiveness ratio, operatioal expenses divided by operatioal income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operatioal expenses divided by average net interest assets (Net assets less High-liquid and Other assets).
NII - net interest income, interest income less interest expenses.
NCI - net fee and commission income, commission income less commission expenses.